Year to Date Explained: What Changed Your Net Worth This Year

The One-Sentence Definition

Year to date is your net worth today minus your net worth at the last close of last year (31 December).

Net worth itself carries the Net worth badge: cash in your accounts + what your investments are worth + cash at your brokers, minus what you owe on cards and loans. So the year-to-date figure moves whenever any of those moves - for any reason.

Where to Find It

Any other period splits the same way. Pick 1M, 1Y or All and the change and its parts follow that period instead. With a period shorter than the year so far, such as 1M, This year shows a dot: the period does not reach back to 31 December.

A Change, Not a Gain

This is the single most important thing to understand: net worth grows two ways.

A year with flat markets and strong savings still grows your net worth. A year of great returns while you spend every paycheck grows it too. Year to date includes both on purpose, because it measures your wealth, not your skill.

The Parts, One by One

The parts always add up exactly to the change. A part at zero is hidden, except Saved and Investments, which always show. Under each name below is the short line the card shows beneath it.

Saved · "Money in less spent"

What your accounts kept this year: everything that came in (salary, refunds, gifts) less everything you spent. These are the Breakdown page's Money in and Spent for Year to date. Money you sent to your own brokers is not spent - it is still yours - so it does not come off Saved.

Added at brokers · "From outside your accounts"

Money paid into a broker from somewhere the app does not track - an employer paying into your broker account, a bank account you have not added - less money taken out of a broker to such a place. These are the Outside deposit and Outside withdrawal rows. From the app's point of view this is new money arriving, exactly like salary landing in your account: part of the change, but never called a gain.

Shares moved in · "From outside your accounts"

Shares that arrived from outside your accounts, such as from a broker you do not track here, recorded as a Transfer in. Shares you Transfer out to outside your accounts count against them. When more left than came in, the line is named Shares moved out · "To outside your accounts", and shows as a minus.

Shares count at their cost: what you paid for them, or, for shares you already held when the year began, their value that day. Say you hold 50 shares worth 60 each on 31 December and move 30 of them to a broker you do not track. Your net worth falls by 1,800 although you lost nothing, so it shows as Shares moved out -1,800, not as a loss on your investments.

Moving shares between two of your own brokers (Move between brokers) brings nothing in from outside, so it is left out.

Sent to brokers · "Cash at brokers is not tracked"

Shows only in a workspace that does not keep track of the cash at your brokers. There, money your accounts send to a broker leaves the net worth the app can see, so it shows here as a minus, and money back from a broker as a plus. When cash at brokers is tracked, sending money to a broker is a move between your own accounts and appears nowhere.

Investments · "Price moves, sales and dividends"

What your holdings earned this year: prices rising or falling, currency moves on what you hold, what your sales made, dividends and interest, and income and costs at your brokers, less trading fees and taxes. It is the figure the Portfolio page shows as Return in the period with YTD picked.

New accounts · "Their opening balances"

An account you started tracking this year arrives with the balance it already had. Add a savings account in March that already holds 700, and your net worth is 700 higher - but you neither saved nor earned that this year, so it shows here. A card or loan you add with money already owed on it counts as a minus.

Other · "Currency moves and rounding"

What none of the parts above explain - mostly cash in another currency changing value. If you keep dollars in an account and count in euros, a weaker dollar lowers their value although no transaction happened. A workspace with one currency usually sees nothing here.

Where are transfers between your own accounts?

Nowhere - on purpose. Money moved from one of your accounts to another, or to a broker whose cash the app tracks, leaves one and arrives in the other, so the two sides cancel exactly. Showing them would only invite adding them again.

A Worked Example

Net worth was 120,000 at the close on 31 December and is 150,000 today:

18,000 + 2,500 + 9,000 + 700 - 200 = 30,000. Along the way you also sent 6,000 from your account to your broker: it appears nowhere, because both sides are yours. No shares came in or went out, and the app tracks the broker's cash, so Shares moved in and Sent to brokers stay hidden.

Check It Yourself

The Chart Tells the Same Story

The card's chart has three tabs:

• Net worth, with a Money put in line: the gap between the two lines is what your investments earned.
• What it is made of: cash in your accounts, investments, cash at brokers, and what you owe.
• What changed it: a bar for each day, week or month of the period, split into Saved and added, Investments and Other, with a dot for the net change.

For the Math Curious: The Conventions That Make the Numbers Agree

Sold shares add only this year's part to Investments. Suppose you bought a share in 2024 at 50, it closed last year at 70, and you sold it in March at 75. With YTD picked, Investments counts +5 for that share, not +25 - the other +20 was already inside last year's closing net worth, and counting it again would count it twice across years. The Portfolio page shows it the way fund reports do: Gains already sold shows the full +25 since purchase (the profit that actually happened - the figure on your broker statement), while Gains still held carries an offsetting -20, because the gain the share had been carrying stopped being held the moment it was sold. Together they still make the period's +5, and each figure's info shows the split.

Income and costs at your brokers are earnings. Interest, rebates and account fees recorded as Broker income or Broker expense count in Investments, not in Added at brokers. The Portfolio page's Return view shows them as their own figure, Broker income and costs, so dividends stay cleanly separate under Income.

Every unit sits in exactly one part. Transfers between your own accounts cancel, income at your brokers lives in Investments and not in Added at brokers, shares moved between your own brokers are left out, and Other carries only what no other part measures. That is what makes the pencil-and-paper sum land on the change exactly.

Your year to date, split into its parts, is on your Overview's net worth card. See your breakdown →